Beginner questions about house building

You don't need an architect if the [GU] designs the house. Although he also includes that in the fixed price.

I agree with you there. But which general contractor has a standard floor plan with 5 bedrooms in 150m²? You can only plan freely there. The plot that the original poster has in mind is also on a slope.

Of course, the general contractor will first make promises ... "that all this is no problem" ... and later on it will get more expensive.

Go to HOAI.de -> set the construction costs to 250k€, fee zone III and the middle rate.

If you want to build KFW 55, you also have to get an energy consultant on board. Without funding, that also costs about 5k€.

But which general contractor has a standard floor plan with 5 bedrooms on 150m²?

By now, there are quite a few. Not thousands of variants per provider, but all the major ones offer a few such houses. Some customization is usually possible as well.

That doesn't have to be the case. Our house, it is smaller, only 110 sqm, will cost 285 all incl. Of that, 68 goes to the land. It works. Karsten

I agree with you there. But which general contractor has a standard floor plan where 5 bedrooms fit into 150 sqm.

There are worlds between these two quotes

it makes a difference whether you plan a house for 2 people or for 6.
You need not only more living and storage space, but also a bigger kitchen, a second bathroom -> TE is talking about two! residential units...

And by moving things closer together, you can also turn a 4-bedroom house into a 5-bedroom house.... that then also fits into 165 sqm or something similar

However, there are still some gaps regarding the costs etc.
Of course, it must also be mentioned that the money you have lying around cannot or should not all be used as equity. The kitchen and incidental purchase costs were mentioned, but you should also deduct cushions as well as furniture and lamps and an emergency fund from that.

But: that would be the second step. The first thing is to calculate how much of the income is actually left or how much the house may cost. You shouldn't shrug that off too early, just like you shouldn't assume that building a house is easily doable. You also don’t need to rush to a general contractor or buy a plot yet.

The first step is a sheet of paper with notes, numbers, and a table, the second step is going to a financial advisor.
You also need these numbers if you want to buy an existing property, so they are necessary

Yvonne, I agree with you about determining your own budget. But not to a financial advisor, rather to the house bank. We have already experienced advisors in the forum who always say it’s possible, they even sell a loan to a severely disabled person on Hartz 4....Karsten

Yvonne, I agree with you about determining your own budget. But not to a financial advisor, rather to the house bank. We have already experienced advisors in the forum who always say it's possible; they even sell a loan to a severely disabled person on welfare....Karsten

That suits me fine too... I'm not really on the same wavelength with those terms
We didn't need something like that